Errors & Omissions Insurance
If your business gives advice or provides a professional service, a general liability policy alone won't cover a claim that your work itself fell short. We work with professionals and service businesses throughout Williamson, Travis, and Burnet counties.
E&O coverage at a glance
- Defense & damages for negligence claims
- Covers missed deadlines & service failures
- Claims-made policy guidance
- For advice- & service-based businesses
No spam, no obligation — a licensed Texas agent follows up directly.
Protection for claims about your work itself
Errors & omissions, also called professional liability, responds when a client alleges your service or advice caused them financial harm.
Negligence & Mistake Claims
Defense and damages for claims alleging an error or omission in your professional service.
Missed Deadline & Service Failure Claims
Coverage when a client alleges you failed to deliver a service as promised or on time.
Legal Defense Costs
Defense costs for a covered claim, which can be substantial even when the claim has no merit.
Claims-Made Coverage Structure
Guidance on how claims-made policies work, including retroactive dates and reporting requirements.
Industry-Specific Coverage
Tailored for real estate, law, engineering, consulting, and other advice- or service-based professions.
Contract Requirement Support
Helps meet E&O requirements that clients or contracts increasingly ask for upfront.
Coverage matched to what your specific profession is exposed to
Independent, not captive
We shop your risk across multiple commercial carriers instead of steering you toward one company's appetite.
We know hard-to-place accounts
Contractors, restaurants, manufacturers, and other specialty risks are markets we work in regularly, not occasionally.
One point of contact
Certificates of insurance, renewals, and midterm changes go through your agent directly, not a support queue.
For Central Texas professional service businesses
Real estate agents, attorneys, engineers, consultants, and other advice-driven businesses across the Hill Country carry a different exposure than a business selling a physical product — a claim about your judgment or your work product, not a physical injury. We make sure that gap is actually covered.
Errors & omissions questions
What's the difference between E&O and general liability?
General liability covers physical injury and property damage claims. E&O covers claims that your professional advice, service, or work product was negligent, incomplete, or failed to deliver as promised — a financial harm rather than a physical one.
Do I need E&O if I'm a sole proprietor?
Often yes — your personal assets can be at risk from a claim related to your professional work, regardless of business size. It's worth a conversation even as a one-person operation.
What does "claims-made" mean for my policy?
A claims-made policy only covers claims made (reported) while the policy is active, and often depends on a retroactive date. This affects what happens if you switch carriers or stop practicing — we'll walk you through it.
Which industries typically need E&O coverage?
Real estate, legal, engineering, consulting, financial services, insurance, and other advice- or service-based professions are the most common, though it can apply more broadly depending on what your business promises clients.
Ready to protect your professional work?
Tell us about your business and we'll shop E&O coverage across our carriers.